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Get Cheap Car Insurance in Stamford, SD
We monitor insurance prices, helping the average driver in Stamford save up to 28.9% on car insurance.
The Cheapest Minimum Coverage in Stamford
The chart below shows the cheapest car insurance company in Stamford for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by American Family Insurance, Midvale Home & Auto, and State Farm.
| Stamford Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $27 |
| American Family Insurance | $30 |
| Midvale Home & Auto | $31 |
| State Farm | $31 |
Savings for Every Kind of Stamford Driver
Based on our extensive insurance data, we know the average Stamford driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $354 per year by choosing the right vehicle insurance company. Some Stamford residents are paying out over $1,709 extra every year for auto insurance in Stamford. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Stamford, SD Savings / Yr. |
|---|---|
$354 |
|
$716 |
|
$553 |
|
$805 |
|
$1,337 |
|
$391 |
|
$612 |
Stamford Car Insurance vs. South Dakota
People living in Stamford pay an average of 3.59% more than the typical driver in the state. The average driver in Stamford can expect to pay about $468 per year, or $1,709 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Stamford for most people.
Car Insurance Prices by Stamford Neighborhood
Insurance Prices
Where is insurance cheapest within Stamford?
The map shows insurance prices in and around Stamford, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $31 per year within the city boundaries, with insurance premiums ranging from a high of $1,729 to a low of $1,698. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Stamford.Pick the Best Car Insurance Company for You in Stamford
The best car insurance provider for most drivers in Stamford
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $354 over the average Stamford car insurance company.
The best car insurance provider for Stamford drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $716 over the competition.
The best car insurance company for Stamford drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $553 better than other car insurance companies.
The best auto insurance for Stamford drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $805 less each year.
The least expensive car insurance company for new and young drivers in Stamford
In Stamford, State Farm costs young drivers $1,337 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Stamford
State Farm gave the largest car insurance discounts to married couples, averaging $391 saved each year compared to an average Stamford couple's premiums.
The cheapest car insurance in Stamford for drivers with bad credit
The best Stamford car insurance company for customer service
Recent price drops
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The cheapest large national provider in Stamford
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Stamford driver can expect to pay about $111 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Stamford, USAA has the best prices for drivers with bad credit, drivers with a DUI conviction, good drivers, young drivers, drivers with accidents, drivers with speeding tickets, and married couples.Auto Insurance Prices in and Around Stamford
What Influences the Cost of Car Insurance in Stamford?
On average, car insurance in Stamford is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Stamford is 31 minutes, which is far more than average for a driver in the state.
- South Dakota state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Stamford are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- Stamford is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Stamford is $39 per month for minimum coverage and $142 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Hayes: Insurance costs 0.64% less
- Moenville: Insurance costs 1.17% more
- Capa: Insurance costs 0.41% less
- Midland: Insurance costs 1.05% more
- Ottumwa: Insurance costs 1.17% more
- Sansarc: Insurance costs 0.64% less
- Nowlin: Insurance costs 1.46% more
- Kirley: Insurance costs 1.17% more
- Milesville: Insurance costs 1.17% more
- Cherry Creek: Insurance costs 2.87% more
Cities with Similar Populations
- Middleburg: Insurance costs 38.56% less
- McPhersonville: Insurance costs 0.47% less
- Medix Run: Insurance costs 20.25% less
- Mellwood: Insurance costs 3.86% more
- Zent: Insurance costs 0.06% more
- Yukon: Insurance costs 3.80% less
- Youngtown: Insurance costs 44.24% less
- Young Hickory: Insurance costs 35.52% less
- York: Insurance costs 13.34% less
- Yokley: Insurance costs 20.83% less